Hybrid funds and equity funds are relatively volatile funds, and their returns and risks are far greater than those of money funds and bond funds. In short, you buy funds with the same money. Generally, hybrid funds and equity funds may make more money, but they may also lose more money.
Therefore, to buy a fund, we should not only pay attention to the income of the fund and what fund to buy is the most profitable, but also pay attention to its risks. You should know your ability to take risks. For example, if you have 65438+ million, you can't buy 65438+ into stock funds or hybrid funds. Although equity funds or hybrid funds make a lot of money, it is the same when they lose money.
You can reasonably match funds, such as 60,000 yuan to buy money funds or bond funds, and then 40,000 yuan to buy bond funds or stock funds. But the specific situation still depends on the actual situation. Everyone's situation is different, so it is not universal. Need to analyze the specific situation.
Summary: Generally, hybrid funds or equity funds have higher returns and greater returns, but the general risks and returns are directly proportional. In addition to paying attention to fund income, what fund to buy is the most profitable, but also pay attention to its risks and know your ability to take risks.
Extended data:
Conditions for opening a fund account:
Investors can apply for opening a fund account as long as they are at least 18 years old and carry valid identity documents and bank cards. Fund accounts can be opened through the following channels: securities companies, bank outlets, third-party fund sales platforms and fund company websites.
There are some differences in opening fund accounts on these platforms:
The cost for investors to go to the fund company's website is lower than other channels, but investors can only buy funds issued by the company, and it is relatively troublesome to open an account to buy other funds. Investors open fund accounts on third-party fund sales platforms, such as Alipay. Compared with opening a fund account in a securities company, investors can't buy a listed fund. Investors who purchase funds through fund accounts opened by securities companies need to charge a certain transaction commission, which is generally three ten thousandths. If each transaction is less than five yuan, five yuan will be charged.
Fund subscription and fund subscription have the following differences:
1, time difference
Fund subscription is generally after the establishment of the fund, and the fund subscription is generally during the fund raising period. The interest generated during the subscription period is automatically converted into the investor's fund share when the fund is established, that is, the interest income increases the investor's subscription share.
2. Different interest rates
During the fund subscription period, in order to raise funds as soon as possible, listed companies will discount the subscription rate, resulting in the subscription rate being generally lower than the fund subscription rate.
3. Differences in trading methods.
After the fund subscription is over, investors need to wait until the fund closure period is over before they can redeem it, and the fund subscription can only be sold on the next trading day. At the same time, there is a long closed period after the fund purchase, which will increase the uncertainty risk of investors holding the fund.